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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $59,929 | $84,953-29.5% | $163,379-63.3% | $82,637-27.5% |
| Participation rate | 34.0% | 65.9%-31.9pp | 76.8%-42.8pp | 68.1%-34.0pp |
| Annual return | 18.81% | 23.07%-4.3pp | 63.41%-44.6pp | 53.51%-34.7pp |
| Employer contribution / active EE | $2,554 | $2,183+17.0% | $3,752-31.9% | $2,552+0.1% |
| Participant deferral / active EE | $2,324 | $4,326-46.3% | $6,282-63.0% | $4,126-43.7% |
| Admin fee / account holder | $1,834 | $7,921-76.8% | $9,818-81.3% | $7,339-75.0% |